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Glossary of Financial Terms

Sellers and brokers are instructed to arrive at their financial figures using the definitions below.

Important!
Be aware that all financial figures and other information provided in the for-sale ads are not verified by BizBuySell.
Always discuss with the seller/broker how they arrived at their financial figures. (Note: The financials presented in the ads are annual figures, not monthly, unless otherwise indicated.)

Asking:

The total asking price of the business for sale, the assets of this business, or the property for sale.

Gross:

Gross revenue is defined as "all income the business received before any cost-of-sales or expenses have been deducted."

Cash Flow:

Cash Flow is arrived at by "starting with your net (before tax) profit. Then, add back in any payments made to the owner, interest and any depreciation of assets." For example, if the net profit before taxes was $100,000 and the owner was paid $70,000 then the cash flow is $170,000.

FF&E:

Furniture, fixtures and equipment that will remain with the business, such as desks, office cubicles, decor elements of a restaurant or showroom, computers and office machines, pots and pans, dishes, display cases, manufacturing equipment, etc., depending on the type of business.

Real Estate:

If the business has real property that can convey with the business, the value of the property may be included in the asking price or kept separate as an optional purchase.

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Finance Center

Guidant Financial will show you how to use your Pre-Tax retirement funds to finance your dream of business ownership, with no tax penalties. These funds can be combined with SBA and other bank loans to reach your desired capital. Learn more.

Guidant Small Business financing options include:

401(k) Rollovers

Use your retirement funds free of tax penalties.
This method of business financing, formally known as Rollovers for Business Start-ups, allows you to leverage money in an existing retirement account to invest in a business or franchise. 401(k) rollovers don't trigger a taxable distribution, and they enable you to start your business debt-free if you have enough saved up to cover the full expense.

SBA Loans

Get up to $5 million in capital for your business.
Loans from the Small Business Administration are common and preferable for start-ups because they offer minimal risk and low interest rates. SBA loans are partially guaranteed by the federal government, meaning the government will repay the lender up to a certain amount if you ever default on the loan.

SBA Express Loans

Secure SBA-guaranteed funding in just 45 days.
Similar to traditional SBA loans, SBA Express offers the added benefit of expedited service. Perfect for businesses who don't need as much capital to get started, SBA Express loans require less documentation and can close in a little as 45 days.

Unsecured Loans

Fast funding with no collateral requirement.
Because there's no collateral needed to qualify for unsecured loans, this business financing option highlights fast turnaround time - three weeks or less.

Portfolio Loans

Leverage your securities instead of liquidating.
Rather than liquidating your securities, portfolio loans allow you to put the value of your stocks, bonds, mutual funds and other securities to good use. Portfolio loans feature low interest rates and can be finalized in two weeks, allowing to you get up and running sooner rather than later.